Across r/personalfinance and r/financialindependence, people weigh building a six month emergency fund and increasing retirement contributions beyond defaults, noting many coworkers stop at the match and do not optimize further.
Start creating a 6 month emergency fund taking into account expenses when you be living on your own (ie include rent, utilities, food, etc.).
the default contribution is 6% to make sure you’re getting the full match, so you don’t have to do anything which is nice.
you can also change it if you want to contribute a higher percentage to your retirement.
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